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REGISTRO SEU PRODUTO EM : www.register.hp.com ESTE MANUAL E TODOS OS EXEMPLOS CONTIDOS AQUI SO FORNECIDOS DO JEITO QUE ESTO E ESTO SUJEITOS MUDANAS SEM AVISO PRVIO. A COMPAINHA HEWLETTPACKARD NO FAZ GARANTIA DE NENHUM TIPO COM RESPEITO A ESTE MANUAL OU OS EXEMPLOS CONTIDOS AQUI, INCLUINDO, MAS NO SE LIMITANDO S GARANTIAS IMPLCITAS DE COMERCIABILIDADE, NO-VIOLAO E APTIDO PARA UM PROPSITO PARTICULAR. HEWLETT-PACKARD CO. NO SER RESPONSVEL POR QUAISQUER ERROS OU POR DANOS ACIDENTAIS OU CONSEQUENCIAIS RELACIONADOS COM O FORNECIMENTO, DESEMPENHO, OU USO DESTE MANUAL OU OS EXEMPLOS CONTIDOS AQUI.
Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development Company, L.P. Reproduo, adaptao, ou traduo deste manual proibido sem permisso prvia por escrito de Hewlett-Packard Company, exceto quando permitido pelas leis de direitos autorais.
Hewlett-Packard Company 4995 Murphy Canyon Rd, Suite 301 San Diego,CA 92123
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$ SDODYUD FRPSRVWR HP MXUR FRPSRVWR WHP RULJHP QD LGHLD GH TXH RV MXURV JDQKRV DQWHULRUPHQWH VmR LQFRUSRUDGRV j LPSRUWkQFLD SULQFLSDO $VVLP HOD SRGH UHQGHU PDLV MXURV 2V UHFXUVRV GH FiOFXORV ILQDQFHLURV GD +3 %,, VmR EDVHDGRV QRV MXURV FRPSRVWRV
48
Taxas de Juros
$R DERUGDU XP SUREOHPD ILQDQFHLUR p LPSRUWDQWH UHFRQKHFHU TXH D WD[D GH MXURV RX WD[D GH UHWRUQR SRGH VHU GHVFULWD GH SHOR PHQRV WUrV IRUPDV GLIHUHQWHV n &RPR XPD WD[D SHULyGLFD (VWD p D WD[D DSOLFDGD DR VHX GLQKHLUR GH SHUtRGR HP SHUtRGR n &RPR XPD WD[D QRPLQDO DQXDO e D WD[D SHULyGLFD PXOWLSOLFDGD SHOR Q~PHUR GH SHUtRGRV HP XP DQR n &RPR XPD WD[D HIHFWLYD DQXDO e D WD[D TXH FRQVLGHUD D FRPSRVLomR 1R H[HPSOR DQWHULRU GH XPD FRQWD GH SRXSDQoD GH D WD[D SHULyGLFD p GH SRU PrV FRWDGDV FRPR XPD WD[D QRPLQDO DQXDO GH (VVD PHVPD WD[D SHULyGLFD SRGHULD VHU FRWDGD FRPR XPD WD[D HIHFWLYD DQXDO TXH FRQVLGHUD D FRPSRVLomR 2 VDOGR DSyV PHVHV GH FRPSRVLomR p GH VLJQLILFDQGR TXH D WD[D GH MXURV HIHFWLYD DQXDO p GH ([HPSORV GH FRQYHUVmR HQWUH DV WD[DV QRPLQDLV H HIHFWLYDV DQXDLV SRGHP VHU HQFRQWUDGRV QDV SiJLQDV D
49
F P G
1~PHUR GH SHUtRGRV RX SDJDPHQWRV 7D[D SHUFHQWXDO GH MXUR DQXDO JHUDOPHQWH D WD[D QRPLQDO DQXDO 9DORU DFWXDO R IOX[R GH FDL[D QR LQtFLR GD OLQKD GH WHPSR 3DJDPHQWR SHULyGLFR 9DORU IXWXUR R IOX[R GH FDL[D DR ILP GR GLDJUDPD GH IOX[R GH FDL[D DOpP GH TXDOTXHU SDJDPHQWR SHULyGLFR UHJXODU
2 XWLOL]DGRU SRGH FDOFXODU TXDOTXHU YDORU DSyV GLJLWDU RV RXWURV TXDWUR YDORUHV 'LDJUDPDV GH IOX[R GH FDL[D SDUD HPSUpVWLPRV KLSRWHFDV DOXJXHUHV FRQWDV GH SRXSDQoD RX TXDOTXHU FRQWUDWR FRP IOX[RV GH FDL[D UHJXODUHV GR PHVPR PRQWDQWH VmR JHUDOPHQWH WUDWDGRV FRPR SUREOHPDV 790 2 H[HPSOR DEDL[R PRVWUD XP GLDJUDPD GH IOX[R GH FDL[D GD SHUVSHFWLYD GR ILQDQFLDGR SDUD XPD KLSRWHFD GH DQRV QR YDORU GH FRP SDJDPHQWR GH MXUR DQXDO GH H SDJDPHQWR EDOmR GH
PV = 150.000,00
I/YR = 7,5% 1 2 3 4 5
...
PMT = -1.041,40
FV = -10.000,00
8P GRV YDORUHV GH 39 307 H )9 SRGH VHU ]HUR 2 H[HPSOR VHJXLQWH p XP GLDJUDPD GH IOX[R GH FDL[D GD SHUVSHFWLYD GR DIRUUDGRU SDUD FRQWDV GH SRXSDQoD FRP XP ~QLFR GHSyVLWR H XPD ~QLFD UHWLUDGD DSyV FLQFR DQRV 2V MXURV VmR FRPSRVWRV PHQVDOPHQWH 1HVWH H[HPSOR 370 p ]HUR
50
3 4 5
FV = 25.327,38 56 57 58 59 60 N = 60
...
PV = -17.000,00
2V FiOFXORV GR YDORU WHPSRUDO GR GLQKHLUR VmR GHVFULWRV QR FDStWXOR VHJXLQWH
Bx
BW
16.567,20
5.000,00
10
11
12
13
14
15
16
-5.000,00
-6.000,00
-7.000,00
5
Clculo do Valor Temporal do Dinheiro
Utilizao da Aplicao TVM
$ DSOLFDomR YDORU WHPSRUDO GR GLQKHLUR 790 p XVDGD SDUD FRPSRU FiOFXORV GH MXURV TXH HQYROYHP IOX[RV GH FDL[D XQLIRUPHV H UHJXODUHV FKDPDGRV SDJDPHQWRV 'HSRLV GRV YDORUHV VHUHP LQIRUPDGRV SRGHVH HIHFWXDU D YDULDomR GH XP YDORU GH FDGD YH] VHP SUHFLVDU GH GLJLWDU RV YDORUHV QRYDPHQWH 3DUD XVDU R 790 YiULRV SUpUHTXLVLWRV GHYHP VHU DWHQGLGRV n 2 YDORU GH FDGD SDJDPHQWR GHYH VHU R PHVPR 6H RV YDORUHV GH SDJDPHQWRV YDULDUHP GHYHP VHU XVDGRV RV SURFHGLPHQWRV GHVFULWRV QR FDStWXOR &iOFXORV GH )OX[RV GH &DL[D n 2V SDJDPHQWRV GHYHP RFRUUHU HP LQWHUYDORV UHJXODUHV n 2 SHUtRGR GH SDJDPHQWR GHYH FRLQFLGLU FRP R SHUtRGR GH FRPSRVLomR GRV MXURV 6H LVVR QmR DFRQWHFHU GHYHVH FRQYHUWHU D WD[D GH MXUR XVDQGRVH DV WHFODV H GHVFULWDV QD SiJLQD n 'HYHP H[LVWLU SHOR PHQRV XP IOX[R GH FDL[D SRVLWLYR H RXWUR QHJDWLYR
B B B
53
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Armazena ou calcula
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54
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By
Clculos de Emprstimos
Exemplo: Emprstimo para Compra de Automvel. 8PD SHVVRD REWpP XP ILQDQFLDPHQWR GXP DXWRPyYHO QRYR FRP XP HPSUpVWLPR GH WUrV DQRV H MXURV QRPLQDLV DQXDLV GH FRPSRVWRV PHQVDOPHQWH 2 SUHoR GR DXWRPyYHO p $ HQWUDGD p GH Parte 1. 4XDO VHUi R YDORU GRV SDJDPHQWRV PHQVDLV FRP MXURV GH " 6XSRQKDPRV TXH RV SDJDPHQWRV VH LQLFLDP XP PrV DSyV D FRPSUD RX DR ILP GR SULPHLUR SHUtRGR
55
...
35
36
By
B !4
Teclas:
Visor:
12,00 36,00
422,53
'HILQH R Q~PHUR GH SHUtRGRV SRU DQR $UPD]HQD R Q~PHUR GH SUHVWDo}HV PHQVDLV GR HPSUpVWLPR $UPD]HQD D WD[D GH MXURV QRPLQDO DQXDO $UPD]HQD R YDORU GR HPSUpVWLPR $UPD]HQD D LPSRUWkQFLD D VHU SDJD DSyV WUrV DQRV &DOFXOD R SDJDPHQWR PHQVDO 2 VLQDO QHJDWLYR LQGLFD VDtGD YDORU D SDJDU
56
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372,53 2,03
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10,50 375,00
11.537,59
13.037,59
$UPD]HQD D WD[D GH MXUR RULJLQDO $UPD]HQD R SDJDPHQWR PHQVDO GHVHMDGR &DOFXOD D LPSRUWkQFLD D VHU ILQDQFLDGD 6RPD D HQWUDGD DR YDORU ILQDQFLDGR SDUD REWHU R SUHoR WRWDO GR DXWRPyYHO
Exemplo: Hipoteca de uma Casa. 8P LQGLYtGXR FRQFOXL TXH SRGH SDJDU QR Pi[LPR XPD SUHVWDomR PHQVDO GH (OH SRGH RIHUHFHU XPD HQWUDGD GH 2V MXURV DQXDLV SUDWLFDGRV DFWXDOPHQWH VmR GH 6H R LQGLYtGXR REWLYHU XPD KLSRWHFD GH DQRV TXDO p R SUHoR Pi[LPR GH FRPSUD GH TXH SRGHUi GL"
57
...
By
Visor:
12,00 360,00 0,00 7,50 930,00
133.006,39
145.006,39
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58
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WHUPR GH DQRV
...
299
300
By
B #B G % # &&F P
Teclas:
Visor:
12,00 300,00
0,00
172.500,00
8,80 1.424,06
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59
DQWHULRU H R SDJDPHQWR EDOmR RFRUUHP DR PHVPR WHPSR 2 SDJDPHQWR ILQDO p D VRPD GH 307 H )9
...
44 45 46 47 48 FV = ?
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48,00
Visor:
1.424,06
Descrio:
163.388,39 164.812,45
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Clculos de Poupana
QXPD FRQWD GH SRXSDQoD TXH SDJD MXURV FRPSRVWRV DQXDOPHQWH GH H QmR IL]HU PDLV GHSyVLWRV QD FRQWD TXDQWR WHPSR VHUi QHFHVViULR SDUD TXH D FRQWD DWLQMD "
Exemplo: Uma Conta de Poupana. 6H XP LQGLYtGXR GHSRVLWDU
...
N=?
PMT = 0 PV = -2.000,00
&RPR D FRQWD QmR WHP SDJDPHQWRV UHJXODUHV 307 SDJDPHQWR p LUUHOHYDQWH (QG RX %HJLQ R PRGR GH
B8 B
Teclas:
1
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0,00 1,00
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@
2.000,00
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61
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3.000,00
7,20 5,83
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&RPR R YDORU FDOFXODGR GH 1 HVWi HQWUH H R LQGLYtGXR OHYDUi VHLV DQRV GH FRPSRVLomR DQXDO SDUD DWLQJLU R VDOGR GH SHOR PHQRV &DOFXODU R VDOGR DFWXDO DR ILP GH VHLV DQRV
6,00 3.035,28
&RQILJXUD SDUD DQRV &DOFXOD R YDORU TXH SRGHUi UHVJDWDU DSyV DQRV
Exemplo: Uma Conta de Reforma Individual. 8P LQGLYtGXR DEULX XPD FRQWD GH UHIRUPD LQGLYLGXDO HP GH $EULO GH FRP XP GHSyVLWR GH 6mR GHVFRQWDGRV GLUHFWDPHQWH GR FRQWUDFKHTXH H R LQGLYtGXR UHFHEH R VHX VDOiULR TXLQ]HQDOPHQWH $ FRQWD SDJD GH MXURV DQXDLV FRPSRVWRV TXLQ]HQDOPHQWH 4XDQWR KDYHUi QD FRQWD HP GH $EULO GH "
FV= ?
(Perodos quinzenais) 1 2 3 4
...
360
By
Visor:
24,00 2.000,00 80,00 6,30 360,00 52.975,60
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UHIRUPD DQWHFLSDGD DSyV XPD FDUUHLUD GH VXFHVVR (OH DFXPXORX XPD SRXSDQoD GH TXH UHQGH QD PpGLD MXURV GH DQXDLV FRPSRVWRV PHQVDOPHQWH 4XDO VHUi R YDORU GD DQXLGDGH UHWLUDGD GH IXQGRV UHSHWLWLYD H XQLIRUPH UHFHELGD QR LQtFLR GH FDGD PrV VH HOH TXLVHU TXH HVVD FRQWD GH SRXSDQoD R VXVWHQWH SHORV SUy[LPRV DQRV"
PMT = ? 1 2
...
I/YR = 7% N = 600 (50 12) P/YR = 12
599
600 FV = 0
63
By
B "@ %F #B G P
Teclas:
Visor:
12,00 400.000,00
'HILQH RV SDJDPHQWRV SRU DQR $UPD]HQD R SpGH PHLD FRPR XPD VDtGD GH FDL[D $UPD]HQD D WD[D GH MXUR DQXDO HVSHUDGD $UPD]HQD R Q~PHUR GH UHWLUDGDV $UPD]HQD R VDOGR GD FRQWD DSyV DQRV &DOFXOD R YDORU TXH SRGH VHU UHWLUDGR DR LQtFLR GH FDGD PrV
Clculos de Alugueres
8P DOXJXHU p XP HPSUpVWLPR GH SURSULHGDGH GH YDORU FRPR LPyYHLV DXWRPyYHLV RX HTXLSDPHQWRV SRU XP SHUtRGR GH WHPSR HVSHFtILFR HP WURFD GH SDJDPHQWRV UHJXODUHV $OJXQV DOXJXHUHV VmR HVFULWRV FRPR DFRUGRV GH FRPSUD FRP RSomR GH FRPSUD DR ILP GR DOXJXHU DOJXPDV YH]HV SRU PHUR 2 YDORU IXWXUR GHILQLGR )9 GD SURSULHGDGH DR ILP GR DOXJXHU p jV YH]HV FKDPDGR GH YDORU UHVLGXDO 7RGDV DV FLQFR WHFODV GH DSOLFDo}HV 790 SRGHP VHU XVDGDV HP FiOFXORV GH DOXJXHUHV +i GRLV FiOFXORV FRPXQV n ,GHQWLILFDomR GR SDJDPHQWR GH DOXJXHU QHFHVViULR SDUD DWLQJLU XP UHQGLPHQWR HVSHFLILFDGR n ,GHQWLILFDomR GR YDORU SUHVHQWH YDORU FDSLWDOL]DGR GH XP DOXJXHU 2 SULPHLUR SDJDPHQWR GH XP DOXJXHU JHUDOPHQWH RFRUUH QR LQtFLR GR SULPHLUR SHUtRGR $VVLP D PDLRU SDUWH GRV FiOFXORV XVDP R PRGR %HJLQ
64
DUUHQGDU XP DXWRPyYHO TXH FXVWD HP WUrV DQRV 2 DOXJXHU LQVHUH XPD RSomR GH FRPSUD GR DXWRPyYHO SRU DR ILP GR SHUtRGR 2 SULPHLUR SDJDPHQWR PHQVDO GHYH VHU IHLWR QR GLD HP TXH R FOLHQWH UHWLUD R DXWRPyYHO 6H R YHQGHGRU TXLVHU UHWLUDU DQXDOPHQWH FRPSRVWRV PHQVDOPHQWH TXDO VHUi R YDORU GRV SDJDPHQWRV" &DOFXOH RV SDJDPHQWRV GR SRQWR GH YLVWD GR YHQGHGRU
FV = 7.500,00 PMT = ? 1 2
O dinheiro recebido pelo arrendador positivo.
...
35
36
O dinheiro pago pelo arrendador negativo.
By
Visor:
12,00 10,00 13.500,00 7.500,00 36,00
253,99
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65
2EVHUYH TXH PHVPR TXH R FOLHQWH HVFROKD QmR FRPSUDU R DXWRPyYHO R DUUHQGDGRU DLQGD LQVHUH XP IOX[R GH FDL[D GH HQWUDGD DR ILP GR DOXJXHU LJXDO DR YDORU UHVLGXDO GR DXWRPyYHO 6H R FOLHQWH FRPSUDU R DXWRPyYHO RX VH HVWH IRU YHQGLGR QR PHUFDGR DEHUWR R DUUHQGDGRU HVSHUD UHFXSHUDU
Exemplo: Leasing com Pagamentos Adiantados. $ HPSUHVD 4XLFN
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...
44 45 46 47 48
66
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Visor:
12,00 47,00 2.400,00 0,00 9,00 95.477,55
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97.877,55 97.877,55
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0,00
15.000,00 10.479,21
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67
1
Teclas:
Visor:
108.356,77
Descrio:
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TEMPO
68
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3.000,00
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Informaes Regulatrias
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Este smbolo encontrado no produto ou na embalagem indica que o produto no deve ser descartado no lixo domstico comum. responsabilidade do cliente descartar o material usado (lixo eltrico), encaminhandoo para um ponto de coleta para reciclagem. A coleta e a reciclagem seletivas desse tipo de lixo ajudaro a conservar as reservas naturais; sendo assim, a reciclagem ser feita de uma forma segura, protegendo o ambiente e a sade das pessoas. Para obter mais informaes sobre locais que reciclam esse tipo de material, entre em contato com o escritrio da HP em sua cidade, com o servio de coleta de lixo ou com a loja em que o produto foi adquirido.
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mdia de software que no estiver executando suas instrues de programao devido a tais defeitos. A HP no garante que a operao de seus produtos ser ininterrupta ou livre de erros. Se a HP estiver impossibilitada, dentro de um prazo razovel, de reparar ou substituir qualquer produto com condio garantida, o usurio ter reembolsado o preo pago com a condio de devolver o produto. Os produtos HP podem conter peas recondicionadas equivalentes a novas em desempenho ou que tenham sido sujeitas a uso ocasional. A garantia no se aplica a defeitos resultantes de (a) manuteno imprpria ou inadequada ou calibrao, (b) software, interface, peas ou suprimentos no fornecidos pela HP, (c) modificao sem autorizao ou mau uso, (d) operao fora das especificaes ambientais publicadas para o produto, ou (e) preparao de local ou manuteno imprprias. A Hewlett Packard no oferece qualquer garantia ou condio explcita por escrito ou oral. Na medida permitida pela lei local, qualquer garantia ou condio de comerciabilidade implcita, qualidade satisfatria, ou adequao a um propsito particular limitada durao da garantia expressa acima. Alguns pases, estados ou provncias no permitem limitaes na durao de uma garantia implcita, assim a limitao ou excluso acima pode no se aplicar a voc. Esta garantia fornece direitos legais especficos e o usurio tambm pode ser detentor de outros direitos que variam conforme o pas, o estado ou a provncia. Na medida permitida pela lei local, os remdios desta declarao de garantia so os nicos e exclusivos. Exceto conforme indicado acima, em nenhum caso a Hewlett Packard ou seus fornecedores sero responsabilizados por perda de dados ou por danos diretos, especiais, incidentais, resultantes (incluindo perda de lucro ou de dados), ou outros, mesmo que baseados em contratos, atos ilcitos ou outros. Alguns pases, estados ou provncias no permitem a excluso ou limitao de danos incidentais ou resultantes. Por isso, a limitao ou excluso acima podem no se aplicar a voc. Para transaes de consumo na Austrlia e Nova Zelndia: Os termos de garantia contidos nesta declarao, exceto na extenso do que permido por lei, no excluem, no restringem nem modificam e so acrescidos aos direitos estatutrios obrigatrios aplicveis a venda deste produto para voc.
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Informaes Adicionais sobre Clculos
Clculos de IRR/YR
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Clculos de Margem e Margem de Lucro
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6HP 6ROXomR 1mR H[LVWH VROXomR SDUD RV YDORUHV GLJLWDGRV SiJLQD
Not Found (No Encontrada)
8PD VROXomR SDUD ,55<5 RX ,<5 SRGH RX QmR H[LVWLU 6H YRFr HVWLYHU WHQWDQGR UHVROYHU ,<5 SRGHUi H[HFXWDU R FiOFXOR XVDQGR ,55<5 6H HVWLYHU WHQWDQGR H[HFXWDU XP FiOFXOR GH ,55<5 FRQVXOWH D SiJLQD
OFLO
0XLWR *UDQGH $ PDJQLWXGH GH XP UHVXOWDGR p PXLWR JUDQGH SDUD D FDOFXODGRUD RSHUDU $ PHQVDJHP p H[LELGD SRU XP PRPHQWR H HP VHJXLGD R UHVXOWDGR GR HVWRXUR DSDUHFH FRPR ( $ PHQVDJHP GH HVWRXUR WDPEpP p H[LELGD VH XP 790 LQWHUPHGLiULR RX FiOFXOR GH IOX[R GH FDL[D UHVXOWDU QXPD FRQGLomR GH HVWRXUR
Pos Irr Also
7DPEpP ([LVWH XPD 7D[D GH 5HWRUQR ,QWHUQD 3RVLWLYD 8P FiOFXOR GH ,55<5 SURGX]LX XPD VROXomR QHJDWLYD 7DPEpP H[LVWH XPD VROXomR SRVLWLYD SiJLQD
C: Mensagens 143
Running
0XLWR 3HTXHQR 8P UHVXOWDGR LQWHUPHGLiULR HP 790 p PXLWR SHTXHQR SDUD VHU SURFHVVDGR SHOD +3 %,, (VVD PHQVDJHP WDPEpP p H[LELGD VH DOJXP FiOFXOR IRU PXLWR SHTXHQR 1HVVH FDVR p VHJXLGD GH ]HUR
144 C: Mensagens
ndice remissivo
$V WHFODV TXH QmR HVWmR OLVWDGDV DTXL SRGHP VHU ORFDOL]DGDV QDV VHFo}HV DOIDEpWLFDV GHVWH tQGLFH UHPLVVLYR
A
$GLDQWDGR SDJDPHQWR AMORT $PRUWL]DomR IDL[D GH SDJDPHQWRV MXUR SULQFLSDO VDOGR ~QLFR SDJDPHQWR , $PRUWL]DomR HP XPD 9LVmR 5iS LGD $PRUWL]DomR HTXDo}HV $QXLGDGH $SDJDPHQWR GR YLVRU $35 $ULWPpWLFD $UPD]HQDPHQWR $UUHGRQGDPHQWR $UUHQGDPHQWRV $VVLVWrQFLD (8$ (XURSD $VVLVWrQFLD WpFQFLD
4 d @ A B T w Y a g e d f 6 i Q R
Teclas Especiais
, , ,
B
%DFNVSDFH BAL %DOmR
ndice remissivo 145
SDJDPHQWR %DWHULDV , LQVWDODomR %DWHULDV FDUJD EDL[D BEGIN ,
D
'DGRV HVWDWtVWLFRV H[FOXVmR LQFOXVmR 'HVFRQWR 'HVFRQWR GH )OX[RV GH &DL[D 'HVOLJDU 'HVYLR SDGUmR 'HVYLR SDGUmR GH SRSXODomR 'HVYLR SDGUmR H[HPSOR SRSXODomR (IHWLYD WD[D , (PSUpVWLPR FRP -XURV 6RPHQWH (PSUpVWLPRV , LQWHUHVWRQO\ Q~PHUR GH SDJDPHQWRV (PSUpVWLPRV SULPHLUR SHUtRGR IUDFLRQiULR (QWUDGD (TXDo}HV DPRUWL]DomR FiOFXORV GH IOX[R GH FDL[D FRQYHUV}HV GH WD[DV GH MXURV HVWDWtVWLFDV PDUJHP H PDUJHP GH OXFUR 790 ERROR (VWDWtVWLFDV HP XPD YLVmR UiSLGD (VWDWtVWLFDV FRP GXDV YDULiYHLV
y 7
C
&iOFXORV HQFDGHDGRV FiOFXORV ,55<5 UHVXOWDGRV SRVVtYHLV FiOFXORV ,55<5 LQFOXVmR GH VXSRVLo}HV UHLQtFLR VXVSHQVmR &DVDV GHFLPDLV CF C - FLOW &RHILFLHQWH GH FRUUHODomR , &RPSRVLomR FRQWtQXD &RPSRVWR MXUR &RQGLo}HV GH RSHUDomR &RQVWDQWHV &RQWUDVWH GR YLVRU &RQYHUVmR GH WD[D GH MXURV HP XPD YLVmR UiSLGD &RQYHUV}HV GH WD[DV GH MXURV &XUVRU &XVWR &XVWR GD DXVrQFLD GH GHVFRQWR
8 D j
0 9 2
E
(VWDWtVWLFDV FRP XPD YDULiYHO (VWDWtVWLFDV DSDJDPHQWR GHVYLR SDGUmR , GXDV YDULiYHLV HVWLPDWLYD , H[FOXVmR PpGLD , SURMHomR UHJLVWUDGRUHV UHJUHVVmR OLQHDU VRPDWyULR WHFOD XPD YDULiYHO (VWLPDWLYD , ([FOXVmR 790 ([FOXVmR GH PHPyULD PHQVDJHQV ([FOXVmR GH GDGRV HVWDWtVWLFRV ([HPSOR GH GHVYLR SDGUmR ([SRHQWHV
GH
*DUDQWLD , *DUDQWLD SDUD HPSUpVWLPR +LSRWHFD FRP GHVFRQWR +LSRWHFDV FRP SDJDPHQWR EDOmR H[HPSOR GH +LSRWHFDV FDQDGHQVHV +LSRWHFDV UHILQDQFLDGDV +LSRWHFDV FDQDGHQVHV FRP GHVFRQWR UHILQDQFLDGDV
I
,GHQWLILFDomR GD QHFHVVLGDGH GH DVVLVWrQFLD WpFQLFD ,QFOLQDomR ,QGLFDGRUHV ,QIRUPDo}HV UHJXODWyULDV ,QVWUXo}HV %iVLFDV HP XPD 9LVmR 5iSLGD INT LQWHUVHomR GH \ ,QYHUVR ,55 FiOFXOR ,55<5 , HP XPD YLVmR UiSLGD ,55<5 DUPD]HQDPHQWR DXWRPiWLFR
F
)DFWRULDO )OX[R GH FDL[D GLDJUDPDV SUREOHPD )OX[R GH FDL[D LQLFLDO )OX[R GH FDL[D LUUHJXODU )OX[R GH FDL[D GHVFRQWR HTXDo}HV H[HPSORV LQFOXVmR LQLFLDO LUUHJXODU SUREOHPDV VXEVWLWXLomR YLVXDOL]DomR
F W
J
-XUR FRPSRVWR -XUR HIHWLYR -XUR QRPLQDO -XUR VLPSOHV /HDVLQJ FRP SDJDPHQWRV DGLDQWDGRV /LJDU /LPLWDo}HV DPELHQWDLV /RJDULWKP
E c
KL
0 UHJLVWHU , 0DUJHP , 0DUJHP GH /XFUR 0DUJHP GH OXFUR 0pGLD , , SRQGHUDGD , 0pGLD SRQGHUDGD , 0HPyULD H[FOXVmR GH GDGRV 0HPyULD H[FOXVmR 0HQVDJHQV , 0HQVDJHQV GH HUUR 0HQVDJHQV H[FOXVmR 0RGR %HJLQ ,QtFLR 0RGR (QG )LP
N 1DWXUDO ORJDULWKP 1RPLQDO WD[D , 1RWDomR &LHQWtILFD 139 HP XPD YLVmR UiSLGD 139 DUPD]HQDPHQWR DXWRPiWLFR FiOFXOR 1~PHURV QHJDWLYRV 1~PHURV DUPD]HQDPHQWR DUUHGRQGDPHQWR IRUPDWR QR YLVRU LQWHUYDOR GH QHJDWLYRV SUHFLVmR WRWDO 2SHUDGRUHV DULWPpWLFRV 2SHUDGRUHV DULWPpWLFRV
C e g x
N
I
O P
3DJDPHQWR SHUtRGRV 3DJDPHQWR EDOmR , 3DJDPHQWRV DGLDQWDGRV 3DUrQWHVHV PEND PER 3HUFHQW
3HUFHQWXDLV HP XPD YLVmR UiSLGD 3HUFHQWXDO DGLomR RX VXEWUDomR YDULDomR 3HUJXQWDV 3HULyGLFD WD[D 3HUtRGRV , , , 3HUtRGRV GH FRPSRVLomR H SHUtRGRV GH SDJDPHQWR SHUtRGRV GLVWLQWRV 3RXSDQoD 3RXSDQoDV 3RZHUV 3UHFLVmR 3UHoR , 3UHoR GH YHQGD 3UHoR GH YHQGD GHILQLomR 3ULPHLUR SDJDPHQWR IUDFLRQiULR PRIN 3ULQFLSDO 3URMHomR , 39 9HMD 9DORU DWXDO
5HJLVWUDGRUHV FiOFXORV DULWPpWLFRV HP HVWDWtVWLFD 5HJUHVVmR 5HJUHVVmR OLQHDU , 5HLQLFLDOL]DomR 5HQGLPHQWR 5HQGLPHQWR DQXDOL]DGR 5HVLGXDO , 5HVSRVWDV 5HVSRVWDV D SHUJXQWDV FRPXQV ,
v
S
QR
4XDGUDGRV 5DL] TXDGUDGD 5Dt]HV , 5HFtSURFR 5HIHUrQFLD UiSLGD 5HJLVWHUV 5HJLVWUDGRUHV QXPHUDGRV
6DOGR GR HPSUpVWLPR 6HSDUDGRU GtJLWRV 6HSDUDGRU PLOKDU 6HSDUDGRU YtUJXOD 6HSDUDGRUHV $VVLVWrQFLD RXWURV SDtVHV SHIFT 6LPSOHV MXUR 6LQDO DOWHUDomR 6RPDWyULRV HVWDWtVWLFRV STAT , 6XSRVLomR GH ,55<5
X 3 i
T
7D[D HIHWLYD DQXDO 7D[D QRPLQDO DQXDO 7D[D SHUFHQWXDO DQXDO 7D[D SHULyGLFD 7HFOD GH SUHIL[R 7HFODV GH PHPyULD HP XPD YLVmR UiSLGD
ndice remissivo 149
7HUPRV H FRQGLo}HV 790 HP XPD YLVmR UiSLGD HTXDo}HV SUREOHPDV TVM
9DORU )XWXUR /tTXLGR 9DORU QR YHQFLPHQWR 9DORU UHVWDQWH 9DORU 7HPSRUDO GR 'LQKHLUR &RQVXOWH 790 9tUJXOD FRPR VHSDUDGRU
V
9DORU DWXDO 9DORU FDSLWDOL]DGR 9DORU IXWXUR ,
XY